Terms of Service - WeFixMoney

Terms of Service

Consent for Electronic Signatures, Records, and Disclosures ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction

To provide our services, we need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”) from us and our trusted affiliates and partners (collectively, “us” or “we”). This form notifies you of your E-Consent rights. By clicking "I Consent" or its equivalent, you acknowledge that you have received this E-Consent Agreement and you agree to its terms, including to conduct transactions by using electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Non-Electronic Records

You may request any Disclosures in paper copy by email (info@WeFixMoney.com), or by mailing your written request to WeFixMoney Inc. 9435 Lorton Market Street, Suite 762 Lorton, VA 22079. We will provide paper copies at no charge. We will retain all Disclosures as applicable law requires.

Scope of Consent

This E-Consent Agreement applies to all of our online interactions, including those on any mobile device. In most cases, we will process your information and communicate with you electronically.

Doing Business Electronically

Before you decide to do business electronically, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 256-bit encryption, such as Microsoft® Internet Explorer®, Netscape® or Mozilla Firefox®.

To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader Xpdf® or Foxit®. If these requirements change while you are maintaining an active relationship with us and the change creates a material risk that you may not be able to receive Disclosures electronically, we will notify you of these changes. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send us your written questions regarding the hardware and software requirements by mail to WeFixMoney Inc. 9435 Lorton Market Street, Suite 762 Lorton, VA 22079.

Withdrawing Consent

You are free to withdraw this E-Consent at any time and at no charge. However, withdrawing consent could delay or prevent us from providing you our services. If at any time you wish to withdraw this E-Consent, you can send us your written request by mail to WeFixMoney Inc. 9435 Lorton Market Street, Suite 762 Lorton, VA 22079, with the details. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information

Please keep us informed of any change in your electronic address or mailing address. You may update such information by logging onto our website and providing the updated information. You may also send us your written update by mail to our address above.

Your Ability to Access Disclosures

YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED ELECTRONIC FORMATS DESCRIBED ABOVE.

Consent

BY CLICKING "I CONSENT" OR ITS EQUIVALENT, YOU ASSENT TO THIS AGREEMENT’S TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH US ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WE WILL PROVIDE TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING, THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT TRANSACTIONS WITH YOU ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM US OVER THE INTERNET.

Privacy Policy

Your privacy is important to us. This Privacy Policy explains our views and practices concerning privacy, and how they may pertain to you as a user of our system. If you have any questions about this Privacy Policy or the practices of our website, you can contact us via e-mail at: info@WeFixMoney.com.

This notice applies to all information collected or submitted on the WeFixMoney Inc. website as well as the mobile version(s) of our site. As described in more detail below, we may collect information you provide, whether through our website or other channels (e.g., phone, text, messenger), such as your name, street address, e-mail address, telephone number (home, work and mobile), date of birth, Social Security Number, financial account information, income information, employment information and other personal, financial, or demographic information. All information transmitted, printed or otherwise submitted to WeFixMoney Inc. through this Website remains your property; however, WeFixMoney Inc. will be free to use that information for any lawful purpose as detailed below. This Website contains links to other websites. WeFixMoney Inc. is not responsible for the privacy practices or the content of such sites.

Collected Information

WeFixMoney Inc. collects and/or tracks the following information:

  • Information knowingly provided by you such as your name, street address, e-mail address, telephone number (home, work and mobile), date of birth, Social Security Number, bank account information, information relating to monthly income, employment information, and other personal, financial or demographic information;
  • Web page http headers (home server domain names, IP address, type of client computer, type of Web browser and operating system);
  • Information – user-specific or aggregate – concerning the pages our visitors access and referring URLs; and the e-mail addresses of visitors who communicate with WeFixMoney Inc. via e-mail.
  • Submitting information to us is voluntary. However, if you would like to receive information from one of our third party loan providers or other affiliates (“Affiliated Loan Providers”), you must submit the required information.

Use of Data Collected

Information you choose to provide us will be used to offer you marketing products and services in accordance with your interests. Such information may be shared, in accordance with Section 3 below, with trusted third parties such as Affiliated Loan Providers. In addition, we use the information we collect to enhance your experience on our website and to help us offer content we determine may be of interest to you. We may also use information to improve our site, conduct statistical analysis, and for our own marketing, promotional, editorial, or feedback purposes. Information collected may be added to our databases and used for future e-mails or postal mailings of products and services. You may opt out of receiving communications from us at any time, in accordance with Section 5 below.

Disclosure of Data to Third Parties

When you provide us information as part of an application for a product or service, it may be shared with trusted third parties such as Banks, Affiliated Loan Providers and other financial services to provide products and services that you might find of interest. The information we collect may be added to our databases and used for future marketing of new products and services, upcoming events, and/or status of orders and/or loans placed through our website. We may also employ other companies and individuals to perform certain functions on our behalf.

Examples may include sending direct mail and e-mail, removing duplicate information from customer lists, analyzing data, and providing marketing analysis. These agents may have access to our users’ personal information as needed to perform their functions for WeFixMoney Inc., but we do not permit them to use your personal information for other purposes. In addition, WeFixMoney Inc. reserves the right to release current or past user information under the following conditions: WeFixMoney Inc. believes that the service and/or website is being or has been used in violation of the our Terms and Condition or to commit unlawful acts, or in response to legal proces, or if WeFixMoney Inc. is sold or acquired.

Information Collection Processes

We collect information that you provide directly through our website or other channels. On our website, we may employ "cookies" to help customize your access to the site and for advertising tracking & targeting purposes. A cookie is a piece of data stored on your hard drive containing information about you. To find out more about cookies, please visit www.cookiecentral.com.

In addition to cookies, our site pages and/or e-mails may contain electronic images known as “pixel tags” (also known as clear gifs) to track the pages that visitors and/or users visit at the site for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Pixel tags from third parties may also be present on our website to help determine the effectiveness of a joint promotional or advertising campaign.

Your Opt-Out Rights

When you submit information to us you have opted-in to receive marketing communications from us and our Affiliated Loan Partners. You may opt-out of receiving communications from us at any time by sending your request via e-mail to info@WeFixMoney.com. When contacted by a bank, you should notify them directly of your choices regarding their use and sharing of your information.

Third Party Sites

WeFixMoney Inc. is not a lender. We work with banks & financial institutions to find you products or services to meet your needs. In these circumstances you will be redirected to the applicable Affiliated Loan Provider’s website after you have completed the application page on our website; we will collect and send your personal information to the respective banks & financial institution; and your application will subject you to the affiliated partner’s privacy policy. We choose our banks & financial institutions carefully but they are independent entities and we do not endorse and are not responsible for the accuracy of their privacy policies and/or terms and conditions; please review them carefully.

Our Commitment to Children's Privacy

Protecting the privacy of children is especially important. For this reason, we never collect or maintain personal information at our website from those whom we know are under the age of 18 years old. The information and services provided by us or our affiliates, sponsors, and advertisers are not intended for persons under 18 years old.

Our Right to Contact You

We reserve the right to contact you in accordance with this Policy and any other policies or agreements relevant to you.

Data Security

We understand the importance of having and maintaining data security and information privacy. All information collected on our website is stored in a technically and physically secure environment in accordance with generally accepted industry standards. We validate on a regular basis that our security process and procedures provide reasonable protection against system intrusion and theft.

Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information.

Our Right to Change

We reserve the right to change this policy at any time. If changes are made, we will notify you of the existence and location of the new or revised privacy policy or by posting the changes online at our website. All changes will take effect immediately upon their posting. Please check this page periodically for changes. Your continued use of our site or receipt of our e-mails following the posting of changes to this Policy will mean that you accept such changes.

Electronic Disclosure

By submitting your information via the Internet, you agree to receive certain notifications, disclosures and/or documents electronically. This consent to electronic communications applies to the information you are providing on our site and any other communications we or any Affiliated Loan Provider may provide to you. You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) your consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our and/or any Affiliated Loan Partner’s ability to conduct business with you by electronic means.

Effective February 10, 2015
* THE OPERATOR OF THIS WEB SITE IS NOT A LENDER, does not broker loans to lenders and does not make short term cash loans or credit decisions. This Web Site does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this Web Site does not guarantee that you will be approved for a short term cash loan. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your individual financial institution. Funds are most often deposited the next business day. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change from time to time and without notice. For details, questions or concerns regarding your short term cash loan, please contact your lender directly. Short term cash loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a short term cash loan based upon lender requirements.
Our lenders may offer you a loan with an APR between: 90.38% to 1171.88%. The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs, and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed. NOTICE: THIS IS AN EXPENSIVE FORM OF CREDIT. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY. If you do not pay your loan according to its terms, your lender may:

  • Charge you late fees
  • Send your account to a collection agency
  • Report your information to a consumer reporting agency, which may negatively affect your credit score
  • As a convenience, some lenders may offer to "roll-over," renew, extend or otherwise alter your payment terms. Such adjustments may cause you to incur additional fees, charges and interest. Further, some roll-over loans may renew automatically unless you request otherwise. Please contact your lender directly for questions regarding the terms of any adjustments.
This service is not available in New York or to New York borrowers due to interest rate limits under New York law.
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